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Our Award Winning Home Loan

Whether you're buying your first home or looking to switch, our award winning Low Cost Home Loan features a ripper rate, $0 bank fees and a great range of features & benefits.

Select your preferences to view rates:

Purpose:

 
  • Owner Occupied
  • Investment

Borrowing:

 
  • $150,000 to $249,999.99
  • $250,000 to $499,999.99
  • $500,000 to $749,999.99
  • $750,000 to $999,999.99
  • $1 million & over

Deposit:

 
  • Less than 10%
  • 10% or more

N/A

N/A

4.34% pa

4.34% pa

4.09% pa

4.09% pa

3.99% pa

3.99% pa

4.09% pa

4.09% pa

3.99% pa

3.99% pa

4.09% pa

4.09% pa

3.99% pa

3.99% pa

4.09% pa

4.09% pa

3.99% pa

3.99% pa

4.74% pa

4.74% pa

4.74% pa

4.74% pa

4.74% pa

4.74% pa

4.64% pa

4.64% pa

4.74% pa

4.74% pa

4.64% pa

4.64% pa

4.74% pa

4.74% pa

4.59% pa

4.59% pa

4.74% pa

4.74% pa

4.54% pa

4.54% pa

Interest Rate^

Comparison Rate#

Bank of the year Home Loan Package First Home Buyer Canstar Variable Canstar Construction


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Features & Benefits

  • $0 bank fees!
  • Free 100% offset account
  • Instant redraw available from within Online Banking
  • Unlimited extra repayments at no cost - pay your loan off sooner!
  • Repayment holidays - when your repayments are in advance1
  • $100 free monthly transaction allowance3
  • Borrow up to 95% of the property value on owner occupied home loans (with mortgage insurance+)
  • Borrow up to 80% of the property value on investment loans
  • 10% discount on Allianz Home and Contents Insurance2
  • A complimentary meeting with one of our financial planners4

A Big 4 home loan would've cost you thousands more

Comparing home loans can be a time-consuming process so we’ve engaged the help of MOZO to crunch the numbers on your behalf. The graph below shows what would have saved over the past 2 years.

Loan size: $500,000 Owner Occupier loan with a 30 year term


 

  View all interest rates
  Owner Occupied Investment
Rate
Interest rate Comparison rate Interest rate Comparison rate
Interest rate Comparison rate Interest rate Comparison rate
Deposit amount
10% or more Less than 10%
10% or more Less than 10%
$150,000 to $249,999.99
4.34% pa 4.34% pa N/A N/A
4.74% pa 4.74% pa 4.74% pa 4.74% pa
$250,000 to $499,999.99
3.99% pa 3.99% pa 4.09% pa 4.09% pa
4.64% pa 4.64% pa 4.74% pa 4.74% pa
$500,000 to $749,999.99
3.99% pa 3.99% pa 4.09% pa 4.09% pa
4.64% pa 4.64% pa 4.74% pa 4.74% pa
$750,000 to $999,999.99
3.99% pa 3.99% pa 4.09% pa 4.09% pa
4.59% pa 4.59% pa 4.74% pa 4.74% pa
$1 million & over
3.99% pa 3.99% pa 4.09% pa 4.09% pa
4.54% pa 4.54% pa 4.74% pa 4.74% pa

 

Calculate your repayments

 

  Documents & Forms
  Important Information

All displayed interest rates are for owner occupier loans only. Investment rates are available on request.

^Available for new owner occupier home loans over $250,000, with a deposit of 10% or more for applications received from 20 July 2017. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time.

Loans are subject to approval. Terms and conditions, normal lending criteria and fees and charges apply and are available upon request.

1. Repayment Holidays are not available on interest only loans. Applications are subject to Qudos Bank’s approval.

2. This insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, ASFL 234 708. Qudos Bank acts as an agent for Allianz not as your agent. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the relevant Product Disclosure Statement and Financial Services Guide before deciding whether to acquire any product mentioned. A PDS is available by calling 1300 747 747. We receive commission on these insurance products as a percentage of the premium paid for each policy. Ask us for more details. Discount applies to first year's premium. No other discounts apply. The discount may be subject to rounding.

3. $100 free monthly transaction allowance for savings accounts within the same membership, based on total loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000.

4. All Financial Planners are Authorised Representatives and provide advice under the authority of ClearView Financial Advice Pty Ltd, ABN 89 133 593 012, AFSL 331 367.

5. On the expiration of the fixed rate period, the interest rate reverts to the variable rate Low Cost Home Loan tier for a loan amount of $250,000.

6. Variable rate is subject to change and is variable in accordance with the terms and conditions of this loan.

+ Mortgage insurance is required if borrowing above 80% (for owner occupied) and is subject to approval.

#WARNING: This comparison rate applies to the example or the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Our comparison rate assumes a loan of $150,000, monthly repayment frequency and a term of 25 years. Loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000.

Before opening this home loan with us, you should read our Financial Services Guide and to see our terms and conditions, call us on 1300 747 747.

Rates current as at 20 July 2017.